Money

Tips and discussions about saving money and discounts, generating extra income, financial planning, working from home, and more.

Anonymous posted in Child Care Friday

Getting underpaid by your employer: How to go about a money conversation.

I’m a Nanny for a wonderful family. I usually never keep track of my hours because I have a lot on my plate and my Nanny family is usually keeping track. I recently started tracking my hours as to better budget myself before my paycheck arrives. Today I received my paycheck to find several hours worth of pay missing, I went back to my written hours and recounted them and the math was correct, s... More

  • Ivana
    Yesterday

    Definitely bring it up to them, and I agree that if you are there you should be getting paid even if parents are there. It’s good that you are tracking, and continue to do so. Most likely the family just made a mistake and you can say “I’m trying to be better about my hour tracking and budgeting and noticed a few hours missing this last time, can we maybe cross check the total together”? Or som... More

  • Aye
    1h ago

    I would just start sending them the hours you are there daily or weekly at least and start from there. I was a personal assistant and I would text my boss clocking in clocking out everyday I worked to keep track so we both knew my hours cause he would use to forget hours for me too. Or he would say do this it should only take 3 hours and it would take me more or less sometimes so I took what wa... More

Anonymous posted in Money Wednesday

SAHM feeling unimportant

Before my 10 month old son, I was very financially independent and never relied on anybody for anything. Until I became a stay at home mom. My husband is always very supportive with my decision to stay at home but financially it’s getting difficult. Always having to ask him for money for my and the babies needs makes me feel so worthless. I feel like my decision to be a SAHM has put us in the h... More

  • Anonymous
    Thursday

    Is this post more about finances and what to do or is there something else going on about feeling appreciated for what you do at home? Details seem to be about finances but the title of your post suggests otherwise. As far as the finances, I would sit down and budget out what can be spent on needs each month and find out where you can cut costs. My husband and I have our own personal checking... More

  • Anonymous
    Thursday

    I was in the same boat for a long time. I had never known a time when I was unemployed and not working at least 60 hours a week...until I had a baby. The reality is that since I’m a SAHM, I work 24/7. My husband and I agreed that financially, it was more cost effective for me NOT to have a job. We don’t have a big surplus of cash lying around but we recognize where we can spend money - we love ... More

Anonymous posted in Money Oct 26

Couponing

Does anyone use coupons for grocery shopping? I feel like this is a dumb question, but I’ve tried websites and looking in the mail for flyers before and think I may be missing something because I rarely find coupons or they don’t seem to offer significant savings (usually I see promos for sales, but not a true “coupon.) I’m not trying to be an extreme couponer, but if it’s easy enough I’m inte... More

  • Vicki
    Oct 28

    I use our grocery store’s app and the preferred customer program. They have hundreds of coupons and they are all good. I also use the Target app, which also offers hundreds of coupons.

  • Jessica
    Oct 31

    I had the best luck couponing when I was part of a group that did a coupon swap. We would bring coupons that we didn’t use and it helped the rest of us get ones we actually needed. I saved 10% regularly! That being said, you can’t be very brand loyal if you want to maximize savings. It’s work but can save you.

Anonymous posted in Money Sep 29

Home Renters, Help!

My husband and I are having trouble with renting a house. It seems we don't meet the standards needed to rent and although we make enough to pay for a nice home,[my husband and I each own our own companies for over 3 years now, makes $$$ steady income] no-one will give us the time of day because of our low credit. We are young starting up and our family is growing fairly rapidly to still be... More

  • Anonymous
    Oct 15

    UPDATE: We were able to find a landlord that was willing to work with us and our situation.

Babysitter

What do you charge as a Babysitter? What are babysitters charging these days?

  • Anonymous
    Sep 27

    Depends on experience and age of babysitter. If you have a ton of exp, then you can charge 20/hr or more. If you’re a college student, then some would do for $12 or even less.

  • Karla
    Oct 06

    We have a family friend that was watching my son. She asked for $500 per month. She would watch him maybe 3 or 4 times per week at most. We got lucky when she volunteered since she wasn't working. He also got home cooked food from her. But definitely heard $20/hr minimum

Haylee S posted in Money Sep 11

Moving to a different state

My husband and I decided we want to move to Washington state from Kansas. It’s a lot more expensive there but we want to be closer to family! Any tips on selling everything/saving? Do’s and don’ts? What was your experience like moving to a different state. Thanks guys!

  • Beth
    Sep 12

    It's very hard living here near Seattle. As someone who wasn't raised here The Seattle Freeze is very real and very isolating. The people here are nice but unless they haven't been raised here they're not interested in making new friends or working on relationships. It might be better on the east side of the mountains like Spokane, but anywhere between the ocean and the mountain... More

Anonymous posted in Money Jul 30

How do you make extra money?

Hi all, Do any of you have any way of making extra money on the side?

  • PK
    Sep 15

    Achievement - connect with your health apps to track your exercise and steps to get points for gift cards. You can also earn points by taking their surveys or reading their health related articles. You don’t need to log steps or anything, it runs in the background with the apps you connect. However, I recommend logging in periodically to take surveys and read the articles to get extra points. T... More

  • PK
    Sep 15

    Let me know if you have any questions about any of them. They are all legit apps that I have cashed out on... except PintPass. I haven’t had a chance to cash out on that one quite yet so I can’t vouch for it!

Anonymous posted in Child Care Jun 26

English is my second language, what is the right way to ask a babysitter how much they charge?

  • B
    Jun 26

    Just ask like that. Ask how much they charge per hour

  • Genesis
    Sep 30

    1. How much do your baby sitting services cost? 2. How much is your hourly fee? 3. How much do you charge per hour? I hope any of these help. I believe these questions are respectful.

Jair posted in Education Jun 24

I’m considering home-schooling my kids.

How much would it cost to hire someone? I have four kids and seeing how bad the public school system is getting I want my kids to have a bright future and public schools I’m afraid is not a viable option today.

  • Flutegal64
    Jul 04

    Everyone talks about how bad the schools are but have you viewed the school and talked to parents? In NY teachers need a Masters and have a high standard. I’m ok with home schooling for some kids who do better with one on one, but the reality of life is people need to work on teams. I’ve seen a lot of group work and teaching interactive skills. Schools follow a curriculum that’s tough and all p... More

  • Lynn
    Sep 12

    I grew up in the NY public school system. Moved to AZ with parents during high school. The difference in education was night and day. NY education is in another league. It’s unbelievable how low the standards are in AZ. Its an absolute joke and am terrified to raise my daughter in this school system. I plan on hiring a tutor to work with her on her homework after school everyday. I’d do it myse... More

Anonymous posted in Divorce & Separation Jun 21

Scared to leave

I want to leave my husband, but I’m too scared to be on my own. I’m currently a SAHM with nothing but a high school diploma. I just don’t see how it’s possible for me to financially support my baby if I leave. I will be able to stay with my mom for a while, but eventually I’d like us to live on our own. What kind of jobs do you single parents have? I know daycare is ridiculously expensive. Thi... More

  • Wendy
    Aug 09

    you are scared of change.. there’s a difference. you say you don’t know what to do but you just said you can stay at your moms, “husband” can help out either through verbal agreement or child support. anything is possible!! just ask the single mammas out there.. i’m doing it 🙌🏽 trust once you get the ball rolling you’ll look back and say WHY DIDNT I LEAVE SOONER! ❤️ Kids are really not that ex... More

Anonymous posted in Money May 26

Single mom struggling.

Hi guys. I’m a single mom. I have SO much going on right now mentally that I feel like Such a mess. My daughters father was abusive so I worry about letting her see him. So far he’s been really distant with her but he says every once in a while that he wants to see her and of course my daughter wants everything to do with that. I don’t know how to handle it. I don’t trust him. I’m also living a... More

  • Anonymous
    Aug 10

    Hi, I think you’re in a tough situation but this can actually be a great thing. Thank goodness you have your parents around and right now you and your daughter have a stable home. I’m sure you’re paying less rent there than if you had your own place. Budget, and save as much as possible right now. Have you considered asking for child or spousal support? Are you not receiving because you want to... More

Anonymous posted in Money May 16

Grocery tips

We are a family of four and our grocery spending is crazy. Does anyone have any suggestions for shopping cheaper than Costco? I get my paper goods there (paper towels, tissues, toilet paper) and then the frequent foods we eat at home (kids Clif bars, bananas, salads greens and raw almonds to name a few). If Target doesn’t run a gift card deal when I need it, then I buy my diapers and wipes at C... More

  • Sarah
    May 23

    Another family of 4 here with a $500 monthly grocery budget! Biggest way I've cut costs is by meal planning. I've tried couponing but we just end up with stuff that won't get eaten. Instead we buy exactly what we like and will eat whether or not it is on sale! I would rather pay more for what we like than see it go to waste. I don't know if you have a Dollar Tree in your area bu... More

  • Brittany
    Jun 03

    When I go grocery shopping I have a two step process, first I make a list and make sure I stick to it. Next, I try to only shop on the outside of the store. This helps to avoid processed junk food and ensures that you're buying nutrient dense foods. People always think it's expensive to eat healthy, but really, it's not.

Anonymous posted in In-Laws May 02

Comparing how much we help our parents/families?

How do you deal/handle your emotions when your spouse feels they have helped your family enough, and if anyone asks for anything, the answer is no? Or my spouse said the exact words “what have you sacrificed for my family”. I didn’t even ask if we could lend my father money to float his business, I only told him that my mom told me he wanted to borrow money but she told him not to ask the ... More

  • Anonymous
    May 02

    Has his family ever asked for help with anything? If so, would you feel comfortable with helping them out as your husband has been willing to help out yours (even though you didn’t ask)? I would respond to your husband’s words that if his family ever needed any help that you would be willing to help out as he has done for yours. It’s just fair. But also all decisions to help someone money wi... More

  • Anonymous
    May 05

    Recently, my husband and I have been talking about this too. We loaned some money to my sister with her purchase of a house. If need be I’m gonna help my brother out too; which my husband is on board with. The thing is his mother has been asking him to help her with her mortgages; which I don’t agree with as she makes way more money than my husband but isn’t managing her money right. I’ve been ... More

Ivy posted in Money Apr 18

Arrears child support

Please no rude comments, only constructive responses. Long story— So my mom kicked out my dad and threw out all his stuff with him when I was in high school. My mom basically had her lawyer tell us (6kids) that we couldn’t live with my dad because the law said we had to stay with my mom. That didn’t make sense to us because we knew friends who lived with their dad but we didn’t know enough. An... More

  • Ivy
    Apr 22

    Kate, thanks for your response. I’m going to look through some of your suggestions and continue researching what else we can do, if anything. I have looked at the link and it says debt relief doesn’t include child support arrears.

  • Lee
    May 25

    1) Your dad needs an attorney for any future dealings with your mom. 2) Your dad needs to contact the Texas Attorney General. They can help to reduce child support as the support has changed from six to two kids. State law is black and white; 20% of income for one child and it increases by an additional 1% for each child thereafter. 3) If there is a language barrier he may have ground to ha... More

Anonymous posted in Marriage & Partnership Apr 15

Shared or separate bank accounts?

My husband and I currently have a shared account, but I’m curious to what works better in your relationship/marriage? How do you separate everything?

  • Anonymous
    Jul 02

    Nooooo. Finances are one of the two top reasons for divorce. Once account makes sooo many conditions for miscommunication or for one person to control the finances and cause resentment. Two adults, two careers, two incomes, two bank accounts. So long as the marriage is built in solid communication and trust.

  • Lorena
    Aug 16

    As a married couple yes. If not married then nope.

Anonymous posted in Breastfeeding Apr 04

BM versus whole milk past 1 year

Baby is nearing 1 year old that’s when I plan to wean, and I still have a huge stash of frozen BM. Originally I thought to donate it once she turns 1 year but then I realized, some moms nurse until 2 years or so. So they didn’t switch to whole milk at 1 year, so why would I donate my milk? Right? i can save money by using up my frozen stash after I wean then eventually moving to whole milk.... More

Anonymous posted in Child Care Mar 08

In-home daycare payment?

We are putting our three month old in an in-home daycare facility, which is very close to our home (and she’ll be the only child at the moment!) The caretaker has asked for cash weekly. Does anyone have experience with in-home daycare payments? Should we be asking for receipts so that we can use our FSA dollars? Because she is running her own business, we don’t have to be concerned about how sh... More

  • B
    Mar 08

    Also know you’ll need her business tax ID number for taxes and FSA. So...hopefully she’s reporting the income

  • Anonymous
    Mar 09

    Thank you both! This is helpful. She’s given us her tax id and is more than happy to write us receipts when I asked! Really appreciate the help!

Anonymous posted in Money Mar 05

Insurance help

I dont know anywhere else to ask. Google is not helping and my pediatrics says theyre limited or whatever. We got new health insurance through my job. Before that we had medicare for my son and I. We go in for his appt, they say our medicare doesnt end until end of Feb so I should still use that one instead of my new one. We got mail yesterday from my new insurance explaining our benefits a... More

  • B
    Mar 05

    Health insurance usually goes through the end of a month. But yes you should call your local office. And then use the new insurance in March

Anonymous posted in Money Mar 02

Pressure to leave daycare job

I left a previous job to work at my sons daycare due to work pressure. And now I feel like it’s happening all over again but for more financial reasons. I enjoyed working almost 2yrs but there is no benefits, shift/time changes, or raises. I really like the owner but no body can just call out of work due to sickness because of child/teacher ratios. Even my husband is telling me to leave, simply... More

  • Sabrina
    Mar 04

    I’ve said “bye” to lots of daycare workers and even though I’m sad to see them leave, they always come and visit looking healthier and happier. You could try taking some really great probiotics since our immune system comes from our gut health but you need to put your health first. If something were to happen to Mommy then what? Leave the workplace. You’ll never get this time back with your... More

  • Anonymous
    Mar 05

    Sabrina, can I ask what you’re job is? You said you work from home? Yes I sent my resume to the recruiter. I’m just playing the waiting game

Anonymous posted in Marriage & Partnership Feb 15

Feeling Bad about Giving Gifts

I don’t know what to do anymore about my fiancé and giving gifts. We’re currently expecting our second any day now and we have an 11m old as well. I haven’t worked in over a year, so I try not to spend a lot of money on unnecessary items/gifts. Like I don’t even buy lunch food for me I just eat leftovers and cereal 🤦🏽‍♀️ but anyways, I made him a very special gift for Valentine’s Day and he has... More

  • Elle
    Feb 16

    Goigle "love languages quiz" Both of you take it Discuss results w one another

  • Rachael
    Feb 18

    This is abusive. Lavishing you in gifts you don’t want but then controlling all of the money and treating you shitty when you pour your heart into making heartfelt gifts out of the few crumbs he’s left you is not loving, it’s a form of control and objectification. That said, please don’t beat yourself up if you stay given the position you’re in. Whatever you do going forward you & your babi... More

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